How to Cancel Your Credit Repair Subscription (2025)

Most users eventually have to call because the online buttons are conveniently "broken" or missing.

Phone Number: 1-800-232-6499
Hours: Monday – Friday: 7:00 AM – 7:00 PM MST

The Call Flow:

1. Dial the number and select the option for "Billing" or "Cancellation."
2. Prepare for a hold time (usually 15-30 minutes).
3. Tell the representative clearly: "I want to cancel my subscription effective immediately."
4. Decline the offers. They will offer you a discount or a "pause." Just say no.
5. Ask for a confirmation email while you are still on the line.

Credit Repair operates on a month-to-month basis. According to their terms, you can cancel at any time, but you must do so 5 days before your billing cycle ends to avoid being charged for the next month.

They generally do not offer refunds for partial months. If you cancel on the 2nd and your billing date is the 1st, you just paid for 29 days of service you won't use. It is frustrating, but standard for the industry. Complaints on the Better Business Bureau highlight that charges often continue for one cycle after cancellation due to "processing times."

Will I lose my data?

Yes. Once you cancel, you typically lose access to the dashboard and historical credit score tracking immediately or at the end of the billing cycle.

Are there cancellation fees?

Usually, no. However, check if you signed a specific contract term, though most are monthly.

Can I pause instead?

They might offer a "pause" option to keep your data for a smaller fee (around $10-$15/month). Unless you plan to return very soon, this is usually a waste of money.

Best time to cancel?

At least 5-7 business days before your renewal date. Do not wait until the last minute.

If you are stuck in a loop, try these tips:

• Check Third-Party Billing: Did you sign up via a partner site or app store? You must cancel at the source (Apple, Google, etc.).
• Use Desktop: The mobile site is notoriously glitchy for account management. Log in from a laptop.
• Clear Cache: Sometimes the "Cancel" button is hidden by old browser data. Try Incognito mode.
• Send an Email: If you can't get through by phone, send a cancellation request to their support email to create a paper trail. Keep the timestamped sent email as proof.

Cancelling credit repair services is often harder than fixing your credit score, especially with companies tightening retention tactics in 2025. Pine AI handles the headache for you.

Step 1: Let's get started to cancel Credit Repair Simply tell us you want to end your Credit Repair subscription. We will ask for a few basic account details to locate your membership.

Step 2: Pine gets to work We navigate the confusing clicks, wait on hold with their support team, and handle the awkward "please stay" conversations so you don't have to. We don't just suggest it; we finish it.

Step 3: You're free from Credit Repair The payments stop and you get your time back. No "retention offers," no run-around, just a confirmed "one-and-done" result.